Bank account automatic adjustment system

ABSTRACT

The present system for automatically adjusting deposit balance is the effective measure for pay-off which calculates the excess amount by subtracting from the balance of the account established in one financial institution, the specified balance for the account and calculates the allowable amount by subtracting from the specified balance for the account established in other financial institution, the balance of the account and compares said excess amount with said allowable amount and sets the transfer amounts as the one lesser of either said excess amount or said allowable amount. Specifically the system for automatically adjusting deposit sets in addition the plus specified balance for checking and savings accounts and time deposit account respectively when said accounts include checking account and savings account and time deposit accounts. The system for automatically adjusting deposit further sets the minus specified balance for the debt amount. Preferably the system for automatically adjusting deposit is an apparatus which enables to maintain the necessary balance and calculates the deficit amount by subtracting from the balance for the account established in one financial institution, the necessary balance for the account and calculates the surplus amount by subtracting from the necessary balance for the account established in said other financial institution, the balance for the account and compares said deficit amount with the surplus amount and sets the amount that is lesser of said deficit or surplus amounts for the transfer amount.

TECHNICAL FIELD

[0001] This invention relates to the system and method for automaticallyadjusting deposit balance and in more detail the system and method forautomatically adjusting deposit balance which automatically transferssome of deposits between two or more deposit accounts established in twoor more financial institutions respectively for the depositor.

BACKGROUND ART

[0002] So-called payoff (measures by which the principal 10,000,000 yenand the interest of the time deposit etc. shall be the amount of prooffor paying back when the financial institution such as the bank etc.does the management failure) was lifted in Japan on Apr. 1, 2002. Alsoin other countries, some have already lifted a ban as for payoff andsome others are scheduled to lift a ban. After lifting payoff, thedepositor should take necessary measures always observing the depositbalance so that the total amount of money should not exceed 10,000,000yen.

[0003] On the other hand, because various amounts of money areautomatically charged and withdrawn from the deposit account, thedepositor should be increasing the deposit balance of his account inadvance of such charge to the account. Therefore, the depositor going tothe bank etc. deposits necessary amount of money by operating the ATM(automatic teller machine) or transferring it from other depositaccounts at the day of charge or the previous day of it.

[0004] However, this kind of work is heavy burden for the depositor.Recently, with spreading of so-called Internet banking system, it hasbecome possible to transfer money by operating PC (personal computer) athome or by using the cellular phone, etc. however it has unchanged thatit is still required for the depositor to confirm the deposit balanceand to do transfer operation.

[0005] The bank system which makes a prescribed amount of moneyautomatically transferby using the computer is open to the public onAug. 29, 1984 (the public disclosure TOKUKAI SHO59-151259). This systemis put to practical use as “Swing service”, and is the one to transferthe excess amount of money automatically to the deposit account whosepriority level is lower than it when the balance of a certain depositaccount exceeds prescribed amount of the upper bound, where the prioritylevel is put on two or more deposit accounts. According to this system ahigher balance can be maintained at the deposit account with a higherinterest rate, however it cannot deal with the above mentioned payoffnor a necessary balance be secured automatically in advance of directcharge to the account.

DISCLOSURE OF INVENTION

[0006] One object of this invention is to provide the system and itsmethod for automatically adjusting the deposit balance which iseffective for countermeasure to the payoff.

[0007] Another object of this invention is to provide the system and itsmethod automatically adjusting deposit balance which enables to securethe necessary balance.

[0008] The system for automatically adjusting deposit balance and itsmethod of the present invention is the system in which the adjustmentsystem automatically transfers some of deposits between two or moreaccounts established in two or more financial institutions respectivelyfor a certain depositor and provides means for comparing the balance ina certain account established in one of plural financial institutionswith the specified balance in the account and transferring means totransfer the excess amount from the account established in one financialinstitution to the account established in another financial institutionin case that the balance of the account established in one financialinstitution exceeds the specified amount for the account. Therefore,when the balance exceeds the specified balance, the balance isdistributed to the account(s) of the other financial institution(s).

[0009] Preferably, the system for automatically adjusting depositbalance further provides means for calculating excess amounts bysubtracting the specified balance of the account from the balance of theaccount established in one financial institution, means for calculatingallowable amounts by subtracting the balance of the account from thespecified balance in the account of established in the other financialinstitution, means for comparing excess amounts with allowable amountsand means for setting the transferable amount transferred bytransferring means the lesser of excess amounts and allowable amounts.Therefore, after the transfer, the final balance shall not exceed thespecified balance in the account.

[0010] Preferably, the above account shall include floating depositaccount. Further the present system for automatically adjusting depositbalance provides specified balance setting means for setting specifiedbalance to the floating deposit account. Further preferably, floatingdeposit accounts have the first and second accounts. The specifiedbalance setting means sets the first specified balance for the firstaccount and sets the second specified balance for the second account.Hence, each account of plural (one or more) accounts can have individualspecified balance fitted for respective account.

[0011] The system for automatically adjusting deposit balance of presentinvention is the system in which the adjustment system automaticallytransfers some of deposits between two or more accounts established intwo or more financial institutions respectively for a certain depositorand provides means for comparing the balance in a certain accountestablished in one of plural financial institutions with the necessarybalance in the account and transferring(or transfer) means to transfer acertain amount of money to said account established in said onefinancial institution from an account established in the other financialinstitution in case that the balance of the account established in saidone financial institution becomes less than the necessary balance inthat account. Therefore, in case that the balance becomes less than thenecessary balance, the balance will be made up with money from the otheraccount in the other financial institution.

[0012] Still further, it is preferable that the present system forautomatically adjusting a deposit balance provides means for calculatingthe deficit amount by subtracting the necessary balance of the accountfrom the balance of the account established in one financialinstitution, means for calculating the surplus amount by subtracting thebalance of the account from necessary balance for the accountestablished in the other financial institution, means for comparing thedeficit amount with the surplus amount and means for setting the amountto be transferred by transferring means the lesser of the above deficitamount and the surplus amount. Hence, the final balance shall not becomeless than the necessary balance even after the transfer.

[0013] Preferably, the above account shall include floating depositaccount. The system for automatically adjusting deposit balance, furtherprovides necessary balance setting means for setting necessary balanceto the floating (current) deposit account. Further preferably, floatingaccounts include the first and second accounts. Necessary balancesetting means sets the first necessary balance for the first account andsets the second necessary balance for the second account. Hence, eachaccount can have individual necessary balance fitted for respectivefloating account among plural floating account.

[0014] Still further, the system for automatically adjusting depositbalance preferably provides means for selecting one of plural (two ormore) accounts in accordance with predetermined priority level. Transfermeans transfers money from the selected accounts. Alternately the systemfor automatically adjusting deposit balance further provides means forselecting one of plural accounts according to predetermined prioritylevel. Transfer means transfers money to the selected account. As aresult it is possible to maximize as much as possible the balance of theimportant account dealing with many transactions and to minimize aslittle as possible the balance of relatively unimportant accountsdealing with lesser transactions.

[0015] “Financial institution” used in the specification contains not tomention a bank, a credit union (Shinyou Kinko), a credit association(Shinyou Kumiai), worker's credit unions (Roudou Kinnko), a credit unioncentral safe (Shinkin Chuoukinnko), a National credit cooperative unionfederation (Zenkoku Shinyoukyoudou Kumiai Rengoukai), a worker's creditunions federation (Roudou kinko Rengoukai), a agricultural cooperativeassociation (Nougyou Kyoudou Kumiai), a fishery cooperative union(Gyogyou Kyoudou Kumiai), and a fishery processing cooperative society(Suisan Kakou Kyoudou Kumiai) and Post office etc.

[0016] Moreover, the term “the deposit insurance system” contains notonly the insurance system for deposit protection under the DepositInsurance Law in Japan but also contains the insurance system fordeposit protection of agricultural and fishery cooperative credit union(Nousuisangyou Kyoudou Kumiai Chokinhoken seido) and any DepositInsurance System maintained by Federal Deposit InsuranceCorporation(FDIC) in the United State, by Deposit Protection Bureau(DPB) in Britain, by French Bank Association(AFB) in French. Also itshall contain those which are substantially the same as above-mentioneddeposit insurance system, even if the name be changed in the future.

[0017] Moreover, the term “insurrance deposit”(or “insureddeposit”)(Fufo Yokin) means all financial instruments which are theobjects of insurance under the deposit insurance system and savings, thefixed amount (teigaku) deposit certificate, and the mail transferaccount system operated by the post offices which are substantiallyprotected by the government.

[0018] Moreover, the term “floating deposit” (or “liquidity deposit”)means a financial instrument such as a checking account (or currentdeposit) (Touza Yokin), a personal checking account (Touza Chokin), aordinary deposit (savings account) (Futsu yokin) and a ordinary postaldeposit (Futsu chokin), savings of a mail transfer account and the likewhich usually saves money, and is free to make a deposit or draw out.

[0019] “Non-floating deposit” means financial instruments other than thefloating deposit and typically means the fixed deposit such as timedeposit etc. including a regular reserve fund (Teiki tsumitatekin) etc.

BRIEF DESCRIPTION OF DRAWINGS

[0020]FIG. 1 is a block diagram which shows the outline of entirecomputer network system which contains the system for automaticallyadjusting deposit balance deposit balance in the form of embodiment ofthe present invention.

[0021]FIG. 2 is a block diagram which discloses the construction of PC1in FIG. 1.

[0022]FIG. 3 is a flow chart which shows the specified balance transferprocessing in the system for automatically adjusting deposit balance inthe form of the embodiment of this invention.

[0023]FIG. 4 is a flow chart which shows the specified balance settingprocessing in FIG. 3.

[0024]FIGS. 5A and 5B are flow charts in which the transfer processingbased on a specified balance in FIG. 3 is disclosed.

[0025]FIG. 6 is a flow chart of other embodiment of the balance inquiryprocessing as shown in FIG. 5A.

[0026]FIGS. 7A to FIG. 7C shows a flow chart where the specified balanceautomatic update processing in FIG. 3 is disclosed.

[0027]FIG. 8 is a flow chart which shows the necessary balance transferprocessing of the system for automatically adjusting deposit balance inthe form of the embodiment of this invention.

[0028]FIG. 9 is a flow chart where the necessary balance settingprocessing to bank X in FIG. 3 is shown.

[0029]FIG. 10 is a flow chart where the necessary balance settingprocessing to bankY in FIG. 8 is shown.

[0030]FIGS. 11A and 11B are flow charts where the transfer processingbased on a necessary balance in FIG. 8 are shown.

[0031]FIG. 12 is a flow chart of the other embodiment of the balanceinquiry processing as shown in FIG. 11A.

[0032]FIG. 13 is a flow chart which shows the necessary balanceautomatic update processing in FIG. 8.

[0033]FIG. 14 is a flow chart which shows other embodiment of necessarybalance setting processing in FIG. 8.

[0034]FIG. 15 is a flow chart which shows the necessary balance settingprocessing in FIG. 8 in the embodiment as shown in FIG. 14.

[0035]FIGS. 16A and 16B are flow charts which show other embodiment ofspecified balance setting processing (results synchronization settingprocessing) in FIG. 3.

[0036]FIG. 17 is a picture on the screen displayed at S113 in FIG. 16A.

[0037]FIG. 18 is picture on the screen displayed at S115 in FIG. 16A.

[0038]FIG. 19 is a picture on the screen displayed at S118 in FIG. 16A.

[0039]FIG. 20 is a flow chart which shows other embodiment of theresults synchronization setting processing as shown in FIGS. 16A and16B.

BEST MODE FOR CARRYING OUT THE INVENTION

[0040] Hereafter, explained is the embodiments of present invention indetail referring to the drawings. The identical sign is assigned to thesame or equivalent part in the drawing and no explanation is repeated.Here, embodiments are shown as examples based on the deposit insurancesystem in Japan. It is assumed that it can counterbalance the debt ofthe loan etc. with the deposit at that time etc., should the cause beoccurred as defined under in Article 49 clause 2 of Deposit InsuranceLaw in Japan. In the following embodiment, explanation has been madeassuming that the limited amount of the insurance in the depositinsurance system is 10,000,000 yen, although such limited amount variesdepend on countries or regions.

[0041] 1. Preferable Embodiment of Present Invention

[0042] Now referring to FIG. 1, depositor's PC 1 is connected with theserver computer 3 and 4 (hereafter merely referred to “Server”) throughInternet 2. In FIG. 1, server 3 of bank X and server 4 of bankY areillustrated by way of example.

[0043] In reference to FIG. 2, Depositor's PC1 has CPU 10(CentralProcessing Unit), memory 11 such as ROM (read-only memory) and RAM(random-access memory), hard disk 12, displays 13, keyboards 14, CD-ROM(compact disc read-only memory) drives 15 and bus 16 mutually connectingaforementioned devices.

[0044] The program (product) for automatically adjusting deposit balancedescribed hereinafter is stored in CD-ROM 5 which is one of computerreadable media. When CD-ROM5 is slotted into drive 15, the program forautomatically adjusting deposit balance is installed in PC 1. As aresult, the program for automatically adjusting deposit balance makesthe PC 1 execute specified balance transfer processing and the necessarybalance transfer processing and makes PC 1 possible to function as asystem for automatically adjusting deposit balance as mentionedhereinafter. These processing are explained hereinafter.

[0045] 1.1. Specified Balance Transfer Processing

[0046] Referring to FIG. 3, the present system and method forautomatically adjusting deposit balance firstly sets a specified balance(S1) and continuously transfers money based on a specified balance(S2)and finally updates the a specified balance automatically(S3). Thesesteps are explained hereinafter.

[0047] 1.1.1. Specified Balance Setting (S1)

[0048] The system for automatically adjusting deposit balance sets aspecified balance of bank X as shown in Table 1 by way of example.(henceforth blank) TABLE 1 Example of Process transferring specifiedbalance Plus Minus Specified Specified Post- Post- Bank Account balancebalance *1 *2 Balance Transfer 1 Transfer 2 Bank X Check  ¥5,000,000 — 13 ¥4,614,112 ¥4,994,112 ¥4,994,112 (Main Ordinary  ¥3,000,000 — 2 2¥5,983,214 ¥5,603,214 ¥2,993,214 Bank) Time  ¥8,000,000 — ¥8,000,000¥8,000,000 ¥8,000,000 Loan — ¥6,000,000 ¥6,000,000 ¥6,000,000 ¥6,000,000Total ¥16,000,000 ¥6,000,000 ¥12,597,326  ¥12,597,326  ¥9,987,326 Bank YCheck       ¥0 — (Sub Ordinary ¥10,000,000 — 3 1       ¥0       ¥0¥2,610,000 Bank) Time       ¥0 — Loan —      ¥0 Total ¥10,000,000     ¥0       ¥0       ¥0 ¥2,610,000

[0049] The specified balance includes the plus specified balance and theminus specified balances. Generally the plus specified balance has“Positive” balance and is set for check, ordinary and time depositaccounts. The minus specified balances are set for the loan (loan fromthe bank) which has the balance of “Negative”.

[0050] In more detail, referring to FIG.4, the system for automaticallyadjusting deposit balance sets first of all the plus specified balancefor the time deposit account to the same amount with the one of thebalance for the time deposit account (S101). In the example shown inTable 1, because the balance of the time deposit account is 8,000,000yen, the plus specified balance for the time deposit account is set to8,000,000 yen.

[0051] In succession the system for automatically adjusting depositbalance sets the minus specified balances for the loan to the sameamount with the one of the balance of the loan (S102). In the exampleshown in Table 1, because the balance of the loan is 6,000,000 yen, theminus specified balance for the loan is set to 6,000,000 yen.

[0052] Continuously the depositor operating the keyboard inputs thepreferred plus specified balance for the checking account (Sl03). In theexample shown in Table 1, 5,000,000 yen is input as a plus specifiedbalance for the checking deposit account.

[0053] Finally, the system for automatically adjusting deposit balanceadds the minus specified balances for the loan to 10,000,000 yen andsubtracts from the total sum the total amounts of the plus specifiedbalance for the checking account and the plus specified balance for thetime deposit account and calculates the plus specified balance for theordinary deposit (savings) account (S104). In the example shown in Table1, the plus specified balance for the ordinary deposit account is set to3,000,000 yen.

[0054] In short, each specified balance is set so that the result ofsubtracting the minus specified balances from the total amounts of theplus specified balance may become 10,000,000 yen.

[0055] The system for automatically adjusting deposit balance sets theinitial specified balance of bank Y as shown in Table 1. The explanationis not repeated because the concrete operation is basically the same asis mentioned above.

[0056] 1.1.2. Transfer Based on Specified Balance (S2)

[0057] Next, the system for automatically adjusting deposit balancetransfers money based on the set plus specified balance. In order totransfer money, the source account, the designated account and theamount of money should be decided in advance. In the example shown inTable 1, assuming bank X as main bank and bank Y as sub-bank, andaccount priority level Ades for designated account and priority levelAsou for source account are set respectively to each deposit account.Usually priority level for the source account Asou is set in reverseorder as to the one for the designated account Ades.

[0058] Referring to FIGS. 5A and 5B, the system for automaticallyadjusting deposit balance decides whether the present date and time isat 14:20 on Friday (S201) or not. Since announcement of managementfailure in a certain bank generally be made at 15 o'clock on Friday, thepresent embodiment set the time little earlier than that timeconsidering of time necessary for processing the transfer operation inthis example.

[0059] At the time of 14:20 on Friday, the system for automaticallyadjusting deposit balance accesses to server 3 of bank X and server 4 ofbank Y, and inquires the balance of each deposit account (S202). In thisexample, the balance shown in Table 1 is inquired. At this time, thetotal balance at Bank X when the loan of bank X is subtracted from totaldeposit amounts (Hereafter, it is said, “Balanced total balance”), is12,597,326 yen, which exceeds 10,000,000 yen.

[0060] Then the system for automatically adjusting deposit balance seekstransfer source account(s) which balance exceeds its plus specifiedbalance according to transfer source account priority level Asou(S203-S206). Concrete operation is as follows.

[0061] First of all, the system for automatically adjusting depositbalance sets transfer source account priority level Asou to “1” (S203).In this example, the ordinary deposit account of bank Y is selected as atransfer source account.

[0062] The system for automatically adjusting deposit balancecontinuously judges whether the balance of the selected transfer sourceaccount exceeds the plus specified balance or not (S204). If it isexceeded, it advances to S207 to retrieve the designated deposit accountto transfer money.

[0063] On the other hand, if it is not exceeded, the system forautomatically adjusting deposit balance makes increment to the prioritylevel of transfer source account Asou (S205).

[0064] And, the system for automatically adjusting deposit balancejudges whether priority level of transfer source account Asou exceedsmaximum number (in the present case it is 3) or not(S206) and it endsthe transfer processing when it is exceeded and it returns to S204 whenit is not exceeded.

[0065] In the example shown in Table 1, Asou becomes 2 because thebalance of the ordinary deposit account of bank with Asou=1 is 0 yen.The balance of the ordinary deposit account of bank X with Asou=2 is5,983,214 yen and exceeds its plus specified balance 3,000,000 yen.Therefore, the ordinary deposit account of bank X is selected at firstas a transfer source account.

[0066] Next, the system for automatically adjusting deposit balanceretrieves designated accounts according to priority level of designatedaccount Ades whose present balance is less than the plus specifiedbalance (S207-S210). Concrete operation is as follows.

[0067] First of all, the system for automatically adjusting depositbalance sets the priority level of designated account Ades to “1”(S207). The checking account of bank X is selected as an designatedtransfer account in the example shown in Table 1.

[0068] In succession the system for automatically adjusting depositbalance judges whether the balance of the selected and designatedtransfer account is less than its plus specified balance or not (S208).In case that the system judges it less, it advances to S211 to decidethe amount of money to be transferred.

[0069] On the other hand, when it is not less, the system forautomatically adjusting deposit balance adds increments to the accountpriority level Ades of the transfer designated account (S209).

[0070] And the system for automatically adjusting deposit balance judgeswhether account priority level Ades of the transfer designated accountexceeded the maximum number (It is 3 in the example as shown in Table 1)or not (S210) and terminates transfer-process based on the designatedbalance in case of excess and returns to S208 in case of non-excess.

[0071] The checking account of bank X is selected first as an transferdesignated account in the example shown in Table 1, since the balancefor the checking account of bank X with Ades=1 is 4,614,112 yen and doesnot exceed the 5,000,000 yen of the plus specified balance.

[0072] Next, the system for automatically adjusting deposit balancesubtracts the plus specified balance from the balance of the selectedtransfer source account and calculates the excess amount (S211). In theexample shown in Table 1, the balanced amount of 5,983,214 yen in theordinary deposit account of bank X is subtracted by the plus specifiedbalance of 3,000,000 yen to result in the excess amount 2,983,214 yen.

[0073] The system for automatically adjusting deposit balancecontinuously subtracts the balance of the account from the plusspecified balance for the selected transfer designated account andcalculates the allowable deposit amount (S212). In the example as shownin Table 1, the allowable deposit amount of 385,888 yen is calculated bysubtracting 4,614,112 yen in the balance of the account from 5,000,000yen in the plus specified balance for the checking account of bank X.

[0074] Then the system for automatically adjusting deposit balancecompares the calculated excess amount with allowable amount (S213) anddetermines the excess amount as transfer amount in case that the excessamount resulted less and determines allowable amount as transfer amountin case the allowable amount resulted less (S215). That is, the system[and method] for automatically adjusting deposit balance sets the lesserof the excess amount and the allowable amount as the transfer amount. Inthe example shown in Table 1, the transfer amount is set in the amountof 385,888 yen, since the allowable amount in checking account of bank X385,888 yen is lesser than the excess amount of ordinary deposit accountof bank X 2,983,214 yen.

[0075] The system for automatically adjusting deposit balancecontinuously rounds the fraction of the amount of money of the transfer.In the example shown in Table 1, the fraction of less than 10,000 yen ofmoney of the transfer amount 385,888 yen is rounded down, and the amountof money of the transfer becomes 380,000 yen.

[0076] Continuously the system for automatically adjusting depositbalance displays this amount of money for the transfer on display 13,and requests the depositor approval to transfer money (S217). When thedepositor approves the transfer, the system for automatically adjustingdeposit balance sends the instruction to server 3 or 4 of the bank wherea transfer source account is maintained to transfer the decided amountof money for the transfer to the designated account from the transfersource account (S218). In the example as shown in Table 1, 380,000 yenis transferred from the ordinary deposit account of bank X to thechecking account of the same bank.

[0077] Upon finishing the transfer, returning to S204, theabove-mentioned process is repeated until no deposit account exists inwhich the balance exceeds a specified balance.

[0078] In the example shown in Table 1, the amounts of 5,603,214 yen inthe balance of ordinary deposit account of bank X still exceeds3,000,000 yen of the plus specified balance even after transferring theabove-mentioned, the ordinary deposit account of bank X is selectedagain as a transfer source account (S204). In succession, selected isthe ordinary deposit account of bank Y as the designated account inwhich balance at present is 0 yen and does not exceed 10,000,000 yen ofthe plus specified balance (S207-S210). Since the excess amount ofordinary deposit account in bank X, 2,603,214 yen is fewer than theallowable amount of ordinary deposit account in bank Y, 10,000,000 yen(=10,000,000 yen −0 yen), the transfer amount of money is set to2,603,214 yen (S211-S215) in the next step. Here, the fraction of lessthan 10,000 yen of the transfer amount of money 2,603,214 yen is roundedup, and the transfer amount of money becomes 2,610,000 yen. And afterapproval by the depositor, 2,610,000 yen is transferred from theordinary deposit account of bank X to the ordinary deposit account ofbank Y. As a result, the balance of all checking and ordinary depositaccounts shall be within a plus specified balance or less as shown inTable land the balanced total balance of bank X becomes 9,987,326 yenwhich falls within 10,000,000 yen.

[0079] As mentioned above, in accordance with the transfer process basedon the specified balance, the balanced total amount of money can besuppressed less than 10,000,000 yen without forcing the troublesome workto the depositor, because transferring money from one bank to anotherbank is automatically processed when the balance total amount of moneyof a certain bank exceeds 10,000,000 yen.

[0080] Moreover, because the plus specified balance is set respectivelyfor a floating deposit account such as checking or ordinary depositaccount, etc., a suitable plus specified balance can be set for eachaccount.

[0081] Moreover, the balance in the transfer designated account does notexceed the plus specified balance in the account, since the lesseramount of the excess amount or allowable deposit amount is determined asthe amount to be transfer.

[0082] Further, the transfer operation is not done frequently withoutnecessity when the transfer amount of money is fewer than the transfercommission and the like, owing to rounding up process.

[0083] Further, it makes possible that deposits may gather in a moreimportant account which is important in dealings and may not gather inan account which is not so important in transactions, because the systemretrieves the accounts of a transfer source accounts and the transferdesignated accounts according to the priority level.

[0084] Further, even if the bank was bankruptcy, the depositor is notsuffered from any damage that the deposit is not reimbursed because thebalance is inquired at the previous prescribed date and time (14:20 onFriday in the above-mentioned example) which is little earlier than thedate and time when the bank might fail, and it has distributed theamount of excess to other banks.

[0085] However, there is a possibility left that all the transferprocessing cannot be completed even if the balance is inquired ahead alittle like this, too. Then, the process inquiring the balance inaccounts may be made before one day (15 o'clock on Thursday in thisexample) before the date when a bank might fail as shown in FIG. 6(S221, S202). In this case, it is desirable to consider the accountingtransaction of receipt and payment which will be dealt with in the day.For the reasons above, the depositor inputs the amount of theforeseeable receipt and payment for transactions (S222) after makinginquiries on accounts, then the system for automatically adjustingdeposit balance adds or subtracts forecasted amounts for transaction inthe account to or from the existing balance and as a result, calculatesestimated balance (S223).

[0086] 1.1.3. Automatic Updating of Specified Balance (S3)

[0087] Referring to FIG.7A, firstly the system for automaticallyadjusting deposit balance automatically sets the plus specified balancefor the time deposit account to the same amount in balance of the timedeposit account (S301). If the balance of the time deposit account haschanged, the plus specified balance for the time deposit account isautomatically set to the same amount as the new balance.

[0088] Then, the system for automatically adjusting deposit balanceautomatically sets the minus specified balances for the loan to the sameamount in balance of the loan (S302). If the balance of the loan haschanged, the minus specified balances for the loan is automatically setto the same amount as the new loan balance.

[0089] The system for automatically adjusting deposit balance calculatesthe total of all specified balances (=the plus specified balance for thechecking account+the plus specified balance for the ordinary depositaccount+the plus specified balance for the time deposit account−theminus specified balances for the loan) and compares this result with10,000,000 yen (S303).

[0090] With decrease in the amount of time deposit or increase in theamount of loan, the total amounts of specified balances becomes lessthan 10,000,000 yen and it is possible to increase the plus specifiedbalance for the floating deposit account. On the other hand, when theamounts of balance for time deposit increases or when the amounts ofloan decreases, the total of a specified balances becomes more than10,000,000 yen and the plus specified balance for the floating depositaccount should be decreased. However, the plus specified balance for thefloating deposit account need not be changed, in case that no changeshave happened in the amounts of both time deposit or loan and eventuallythe total amounts of specified balance be kept 10,000,000 yen andunchanged.

[0091] It is necessary to decide automatically how much amount of moneyto increase or to decrease the plus specified balance for the checkingaccount and also how much to increase or to decrease the plus specifiedbalance for the ordinary deposit account in order to increase or todecrease the plus specified balance for the floating deposit accountautomatically.

[0092] Hereafter, two methods for automatically updating the plusspecified balance for the checking and the ordinary deposit accounts areillustrated by way of example.

[0093] (1) Method for Setting the Limiting Amount on One to One Basis

[0094] The plus specified balance limit amount in the form of the tableas shown in Table 2 is made in advance and is stored on hard disk 12. Inthe present method, the maximum limit amount and the minimum limitamount is individually set forth as the plus specified balance for acertain account. TABLE 2 Plus specified balance limit amount tableAmount of Amount of Priority the plus Priority the plus level forspecified level for specified increasing balance decreasing balanceamount maximum amount Minimum Account Ainc limit Adec limit Checking 16,000,000 2 0 account Oradinary 2 ∞ 1 0 deposit

[0095] In the example as illustrated in Table 2, in order to increasethe plus specified balance, the priority level for increasing amountAinc is set so that the plus specified balance for the checking accountshould be firstly increased and then the plus specified balance for theordinary deposit account be increased next. Oppositely, when the plusspecified balance should be decreased, priority level for decreasingamount Adec is set to decrease the plus specified balance for theordinary deposit account first and then to decrease the plus specifiedbalance for the checking account next.

[0096] First of all, explained is the case where the plus specifiedbalance is increased by this method. Referring to FIG. 7 B, when theplus specified balance should be increased, the system for automaticallyadjusting deposit balance sets priority level for increasing amount Aincto “1” (S311).

[0097] Then, the system for automatically adjusting deposit balancedistinguishes whether the plus specified balance for the deposit accountof Ainc is less than maximum limit amount or not (S312) referring to theplus specified balance limit amount table in Table 2. The systemadvances to step S313 to increase the plus specified balance for thedeposit account of Ainc when the plus specified balance is less thanmaximum limit amount. On the other hand, it proceeds to step S318 tomove to the deposit account of the following priority level when theplus specified balance is more than maximum limit amount.

[0098] When the plus specified balance is less than amount of themaximum limit, the system for automatically adjusting deposit balancesubtracts the plus specified balance from the amount of the maximumlimit and calculates the allowable increasing amount (S313). The systemfor automatically adjusting deposit balance continuously subtracts thetotal amounts of the plus specified balances from 10,000,000 yen andcalculates a necessary increasing amount (S314).

[0099] Next, the system for automatically adjusting deposit balancedistinguishes whether the necessary increasing amount is within theallowable increasing amount or not (S315). The system for automaticallyadjusting deposit balance adds the necessary increasing amounts to theplus specified balance and calculates a new plus specified balance incase that the necessary increasing amount falls within the allowableincreasing amount (S316). In this case, the processing shall end becausethe plus specified balance has been increased by the necessity. On theother hand, when necessary increasing amount exceeds the allowableincreasing amount, the system for automatically adjusting depositbalance sets the plus specified balance to the maximum limit amount(S317). In this case, it proceeds to step S318 to move to the depositaccount of the following priority level because it has not increased bynecessity, though the plus specified balance is increased up to possiblepermissible amount.

[0100] When the plus specified balance exceeds the maximum limit amountin step S312 or after increasing the plus specified balance up to theamount of the maximum limit amount in step S317, the system forautomatically adjusting deposit balance adds increments to prioritylevel for increasing amount Ainc (S318).

[0101] Continuously the system for automatically adjusting depositbalance distinguishes whether the priority level for increasing amountAinc exceeds its maximum number(in the example it is “2”) or not, andceases its processing when it is exceeding and returns to step S312 whenit is not exceeding.

[0102] Next, it explains the case where the plus specified balance isdecreased by this method. Referring to FIG. 7C, first of all, the systemfor automatically adjusting deposit balance sets priority level fordecreasing amount Adec to “1” in order to decrease the plus specifiedbalance (S321). The system for automatically adjusting deposit balancedistinguishes in the next whether the plus specified balance for thedeposit account of Adec is more or less than the minimum limit amountreferring to the plus specified balance limit amount table in Table 2(S322). It proceeds to step S323 to decrease the plus specified balancefor the deposit account of Adec when the plus specified balance is morethan the minimum limit amount. On the other hand, it proceeds to stepS328 to move to the deposit account of the following priority level whenthe plus specified balance is below the minimum limit amount.

[0103] When the plus specified balance is more than the minimum limitamount, the system for automatically adjusting deposit balance subtractsthe minimum limit amount from the plus specified balance and calculatesthe allowable decreasing amount (S323). Then the system forautomatically adjusting deposit balance subtracts 10,000,000 yen from intotal amounts of the plus specified balances and calculates a necessaryreduction amount (S324).

[0104] The system for automatically adjusting deposit balancedistinguishes whether a necessary reducing (decreasing) amount is withinthe allowable reducing amount or not (S325). The system forautomatically adjusting deposit balance subtracts a necessary reducingamount from the plus specified balance and calculates a new plusspecified balance in case that the necessary reducing amount is withinthe allowable reducing amount (S326). In this case, the processing ends,since the plus specified balance has been decreased by the necessity. Onthe other hand, when the necessary reducing amount exceeds the allowablereducing amount, the system for automatically adjusting deposit balancesets the plus specified balance to the minimum limit amount (S327). Inthis case, it proceeds to step S328 to move to the deposit account ofthe following priority level because it has not decreased by necessity,though the plus specified balance is decreased down to possiblepermissible amount.

[0105] When the plus specified balance is bellow the minimum limitamount in step S322 or after decreasing the plus specified balance downto the minimum limit amount in step S327, the system for automaticallyadjusting deposit balance makes increment to the decrease priority levelfor decreasing amount Adec (S328).

[0106] The system for automatically adjusting deposit balancedistinguishes whether priority level for decreasing amount Adec exceededthe maximum number (It is 2 in this example) and ends its process ifexceeded and it returns to step S322 if it is not exceeded.

[0107] Hereinafter disclosed are the example 1 and example 2 in whichthe system automatically increases the plus specified balance and alsodisclosed are the example 3 and 4 in which the system automaticallydecreases the plus specified balance by the above-mentioned methodrespectively.

EXAMPLE 1

[0108] Table 3 shows the transition of individual specified balance whenthe plus specified balance can be increased by 500,000 yen due todecreasing of time deposit amounts by 500,000 yen. TABLE 3 Reduction of500,000 yen for the time deposit Present plus Present minus specifiedspecified After After it Account balance balances it changed 1 changed 2Checking 5,000,000 — 5,000,000 5,500,000 account Ordinary 3,000,000 —3,000,000 3,000,000 deposit Time 8,000,000 — 7,500,000 7,500,000 depositLoan — 6,000,000 6,000,000 6,000,000 Total 16,000,000  6,000,0009,500,000 10,000,000 

EXAMPLE 2

[0109] Table 4 shows the transition of individual specified balance whenthe loan was increased by 10,000,000 yen and the plus specified balancebe allowed to increase by 10,000,000 yen. TABLE 4 Loan is increased for10,000,000 yen Present plus Present minus specified specified After itAfter it After it Account balance balances changed 1 changed 2 changed 3Checking 5,000,000 —  5,000,000 6,000,000  6,000,000 account Ordinary3,000,000 —  3,000,000 3,000,000 12,000,000 deposit Time deposit8,000,000 —  8,000,000 8,000,000  8,000,000 Loan — 6,000,000 16,000,00016,000,000  16,000,000 Total 16,000,000  6,000,000       0 1,000,00010,000,000

EXAMPLE 3

[0110] Table 5 shows the transition of individual specified balance incase that the plus specified balance must be decreased by 100,000 yendue to having increased time deposit by 100,000 yen. (henceforth blank)TABLE 5 The time deposit is increased for 100,000 yen Present plusPresent minus Account specified specified After it After it type balancebalances changed 1 changed 2 Checking 5,000,000 — 5,000,000 5,000,000account Ordinary 3,000,000 — 3,000,000 2,900,000 deposit Time 8,000,000— 8,100,000 8,100,000 deposit Loan — 6,000,000 6,000,000 6,000,000 Total16,000,000  6,000,000 10,100,000  10,000,000 

EXAMPLE 4

[0111] Table 6 shows the transition of individual specified balance incase that the plus specified balance must be decreased by 100,000 yendue to having decreased the loan by 100,000 yen. TABLE 6 Reduction100,000 yen in the loan After After Account Present changed 1 changed 2Checking 5,000,000 5,000,000 5,000,000 account Ordinary 3,000,0003,000,000 2,900,000 deposit Time 8,000,000 8,000,000 8,000,000 depositLoan 6,000,000 5,900,000 5,900,000 Total 10,000,000  10,100,000 10,000,000 

[0112] (2) Method of Setting Amount of Limit Among One to Plural

[0113] In the method for setting limited amount between one to one asdescribed above, it is possible that since only one maximum or minimumlimit amount of the plus specified balance is set to one depositaccount,

[0114] The plus specified balances for one account reaches the maximumor limit amount without stopping and that the difference between amountsof the plus specified balance for one and the other account becomes toomuch. In order to avoid such case, the present method sets two or more(plural) maximum or minimum limit amounts for plural plus specifiedbalances for one deposit account.

[0115] More concretely, the plus specified balance limit amount tableshown in Table 7 is previously prepared, and is stored on hard disk 12.TABLE 7 Plus specified balance limit amount table Maximum PriorityMinimum Priority level for limit amount level for limit amountincreasing of the plus decreasing of plus amount specified amountspecified Account Ainc balance Adec balance Checking 1 8,000,000 4     0 account Ordinary 2 5,000,000 3      0 deposit Checking 312,000,000  2 4,000,000 deposit Ordinary 4 ∞ 1 1,000,000 deposit

[0116] In the example shown in Table 7, It is set individual two maximumlimit amounts(8,000,000 yen and 12,000,000 yen) and different twominimum limit amounts (0 yen and 4,000,000 yen) as a plus specifiedbalance for the checking deposit account. Also two different maximumamounts ((5,000,000 yen and unrestricted) and two different minimumamounts (0 yen and 1,000,000 yen) as a plus specified balance for theordinary deposit account are set.

[0117] The plus specified balance is increased or decreased by thismethod according to the flow chart of FIGS. 7A and 7B as mentionedabove. It is a point to refer to the limit amount table in Table 7 inplace of Table 2 which the present method differs from the one describedthe above.

[0118] Therefore, according to this method in order to increase the plusspecified balance, the plus specified balance for the checking accountincreases to 8,000,000 yen followed the plus specified balance for theordinary deposit account increasing to 5,000,000 yen, then the plusspecified balance for the checking account increases again to 12,000,000yen and finally the plus specified balance for the ordinary depositaccount again increases unrestrictedly.

[0119] On the other hand, in order to decrease the plus specifiedbalance, the plus specified balance for the ordinary deposit accountdecreases to 1,000,000 at first, followed by the plus specified balancefor the checking account to 4,000,000 yen, then the plus specifiedbalance is decreased again to 0 yen for the ordinary deposit account,and finally the plus specified balance for the checking accountdecreases again to 0 yen.

[0120] Hereinafter disclosed are four examples in total, two forautomatically and respectively increasing the plus specified balance andother two for decreasing the plus specified balance by the presentmethod.

EXAMPLE 5

[0121] Table 8 shows the transition of individual plus specified balancewhen the plus specified balance can be increased by 4,000,000 yen due todecreasing in the time deposit balance by 4,000,000 yen. TABLE 8Reduction in the amount of 4,000,000 yen for the time deposit Presentplus Present minus specified specified After it After it After itAccount balance balance changed 1 changed 2 changed 3 Checking account5,000,000 — 5,000,000 8,000,000 8,000,000 Ordinary deposit 3,000,000 —3,000,000 3,000,000 4,000,000 Time deposit 8,000,000 — 4,000,0004,000,000 4,000,000 Loan — 6,000,000 6,000,000 6,000,000 6,000,000 Total16,000,000  6,000,000 6,000,000 9,000,000 10,000,000 

EXAMPLE 6

[0122] Table 9 shows the transition of individual specified balance incase that the plus specified balance is increased by 5,000,000 yen dueto having increased the loan by 5,000,000 yen. TABLE 9 Increasing loanby 5,000,000 yen Present Present plus minus specified specified After itAfter it After it Account balance balance changed 1 changed 2 changed 3Checking account 5,000,000 — 5,000,000 8,000,000 8,000,000 Ordinarydeposit 3,000,000 — 3,000,000 3,000,000 5,000,000 Time deposit 8,000,000— 8,000,000 8,000,000 8,000,000 Loan — 6,000,000 11,000,000  11,000,000 11,000,000  Total 16,000,000  6,000,000 5,000,000 8,000,000 10,000,000 

EXAMPLE 7

[0123] Table 10 shows the transition of individual specified balance incase that the plus specified balance should be reduced by 100,000 yenbecause that time deposit amount is increased by 100,000 yen. TABLE 10Increasing of time deposit for 100,000 yen Present plus Present minusspecified specified After it After it Account balance balance changed 1changed 2 Checking 5,000,000 — 5,000,000 5,000,000 account Ordinary3,000,000 — 3,000,000 2,900,000 deposit Time 8,000,000 — 8,100,0008,100,000 deposit Loan — 6,000,000 6,000,000 6,000,000 Total 16,000,000 6,000,000 10,100,000  10,000,000 

EXAMPLE 8

[0124] Table 11 shows the transition of individual specified balance incase that the plus specified balance must be decreased by 4,000,000 yendue to having decreased the loan by 4,000,000 yen. TABLE 11 Reduction ofloan in the amount of 4,000,000 yen Present Present plus minus specifiedspecified After it After it After it After it Account balance balancechanged 1 changed 2 changed 3 changed 4 Checking 5,000,000 — 5,000,0005,000,000 4,000,000 4,000,000 account Ordinary 3,000,000 — 3,000,0001,000,000 1,000,000       0 deposit Time 8,000,000 — 8,000,000 8,000,0008,000,000 8,000,000 deposit Loan — 6,000,000 2,000,000 2,000,0002,000,000 2,000,000 Total 16,000,000  6,000,000 14,000,000  12,000,000 11,000,000  10,000,000 

[0125] 1.2. Necessary Balance Transfer Processing

[0126] The deposit is automatically distributed to two or more (plural)banks at 15 o'clock on Friday every week according to the specifiedbalance transfer processing mentioned above. While this function iseffective for measures against pay-off, it possibly causes paymentstagnation for automatic charging system due to insufficiency of balancein the account. The specified balance transfer processing distributes anextra deposit amount to the account with a low priority level, while theaccount with higher priority level is collecting a lot of deposits asmuch as possible. Since the deposit account with high prior level dealswith many transactions, the deposit balance is decreased easily. As aresult, the balance shortage might occur in the account with a higherpriority level even though there is enough balance in other account withlower priority. In that case therefore, it is necessary to retransferthe deposit which was transferred to the account with a low prioritylevel back to the account with a high priority level and return it.

[0127] Referring to FIG. 8, when the system for automatically adjustingdeposit balance operates the necessary balance transfer processing, itstarts with setting necessary balance (S4) and then transfers moneybased on the amount of necessary balance (S5) and is followed at the endby updating necessary balance automatically (S6). Hereafter, it explainsthese steps.

[0128] 1.2.1. Necessary Balance Setting (S4)

[0129] The necessary balance is set for the floating deposit account ofthe checking and the savings (ordinary deposit) account. First of all,the system for automatically adjusting deposit balance sets a necessarybalance of bank X as shown in Table 12 for instance. TABLE 12 Example ofsetting necessary balance etc Priority level Priority for level fordesignated transfer Plus transfer source specified Necessary accountaccount Bank Account balance balance Ades Asou bank X Checking ♯5,000,000 ♯5,000,000 1 3 (main account bank) Ordinary  ♯3,000,000♯3,000,000 2 2 deposit Time  ♯8,000,000 — deposit Loan — — Total♯16,000,000 — Bank Y Checking       ♯0      ♯0 (sub-bank) accountOrdinary ♯10,000,000      ♯0 3 1 deposit Time       ♯0 — deposit Loan —— Total ♯10,000,000 —

[0130] Referring to FIG. 9, in more concreat, firstly the system forautomatically adjusting deposit balance automatically sets a necessarybalance for the checking account to the same amount of the plusspecified balance for the checking account (S401). In the example asshown in Table 12, the necessary balance for the checking account isautomatically sets to 5,000,000 yen, since the plus specified balancefor the checking account is 5,000,000 yen.

[0131] Then, the system for automatically adjusting deposit balanceautomatically sets the necessary balance for the ordinary depositaccount to the same amount as the plus specified balance for theordinary deposit account (S402). In the example shown in Table 12, theplus specified balance for the ordinary deposit account is 3,000,000yen, therefore a necessary balance for the ordinary deposit account isautomatically set to 3,000,000 yen.

[0132] The system for automatically adjusting deposit balancecontinuously sets the necessary balance of bank Y as shown in Table 12for instance.

[0133] In more detail, referring to FIG. 10, the depositor inputs apreferred necessary balance for the checking account by operatingkeyboard 14 of PC1 (S403). The example shown in Table 12 illustratesthat a necessary balance for the checking account is set to 0 yen.

[0134] Continuously the depositor inputs a desired necessary balance forthe ordinary deposit account by operating keyboard 14 of PC1 (S404). Inthe example shown in Table 12, the necessary balance for the ordinarydeposit account is set to 0 yen.

[0135] 1.2.2. Transfer Based on Necessary Balance (S5)

[0136] Next, the system for automatically adjusting deposit balancetransfers money based on the set necessary balance. Like as the case oftransferring operation based on the specified balance, it is alsonecessary to decide in this case the source account of transfer, thetransfer designated account and the amounts of transfer in order totransfer money. For that purpose in this case also, the system uses thepriority level Ades for the designated transfer account and the prioritylevel Asou for the transfer source account.

[0137] Referring now to FIGS. 11A and 11B, the system for automaticallyadjusting deposit balance judges whether a present time and date is15:00 of previous day of certain payment or not (S501). The depositorusually is aware of the payment day and sets such date beforehand.

[0138] When it becomes to 15:00 of the day before the payment day, thesystem for automatically adjusting deposit balance accesses server 3 ofbank X and server 4 of bank Y and inquires the balance of each depositaccount (S502).

[0139] The system for automatically adjusting deposit balancecontinuously retrieves individual transfer source account for thepresent balance which exceeds the necessary balance in accordance withthe priority level Asou of the transfer source account (S503-S506).Concrete operation is as follows:

[0140] First of all, the system for automatically adjusting depositbalance sets the priority level Asou for the transfer source account to“1” (S503).

[0141] The system for automatically adjusting deposit balancecontinuously judges whether the balance of the selected transfer sourceaccount exceeds the necessary balance or not (S504). When the resultshows exceeding, it advances to S507 to retrieve the designated transferaccount.

[0142] On the other hand, when the result shows not exceeding, thesystem for automatically adjusting deposit balance makes the incrementof the priority level Asou for the transfer source account (S505).

[0143] And, the system for automatically adjusting deposit balancejudging whether the priority level Asou for the transfer source accountexceeds the maximum number (in the example it is 3) or not (S506), endstransfer processing in case of exceeding and returns to S504 in case ofnot exceeding.

[0144] Next, the system for automatically adjusting deposit balanceretrieves the transfer designated account whose present balance is lessthan the necessary balance according to the priority level Ades for thedesignated transfer account (S507-S510). Concrete operation is asfollows:.

[0145] First of all, the system for automatically adjusting depositbalance sets the priority level Ades for the designated transfer accountto “1” (S507).

[0146] Then the system for automatically adjusting deposit balancejudges whether the balance of the selected designated transfer accountis less than its plus necessity balance or not (S508). It advances toS511 to decide the amount of transfer money, if it judges less.

[0147] On the other hand, if it is not less, the system forautomatically adjusting deposit balance adds increment to the prioritylevel Ades for the designated transfer account (S509).

[0148] And, the system for automatically adjusting deposit balancejudging whether the priority level Ades for the designated transferaccount exceeds the maximum number (in the example shown in Table 12, itis 3) or not (S510), ends transfer processing in case of exceeding andreturns to S508 in case of not exceeding.

[0149] Next, the system for automatically adjusting deposit balancesubtracts the necessary balance from the balance of the selectedtransfer source account and calculates surplus amount (S511).

[0150] The system for automatically adjusting deposit balancecontinuously subtracts the balance of the account from a necessarybalance for the selected designated transfer account and calculatesdeficit amount (S512).

[0151] The system for automatically adjusting deposit balance comparingthe calculated surplus amount with the deficit amount (S513), determinesthe surplus amounts as transfer amount when the surplus amount is lessthan the deficit amount (S514) and determines the deficit amount astransfer amount when it is less than surplus amount (S515). In short,the system for automatically adjusting deposit balance sets the lesseramount of the surplus amount and the deficit amount for transfer amount.

[0152] The system for automatically adjusting deposit balancecontinuously rounds the fraction of the amount of money to betransferreed (S516).

[0153] Then, the system for automatically adjusting deposit balancedisplays this amount of money to be transferred on display 13 andrequests the approval of the transfer to the depositor (S517). When thedepositor approves the transfer, the system for automatically adjustingdeposit balance sends the instruction to server 3 or 4 of the bank wherea transfer source account is maintained to transfer the decided transferamount to the designated accounts from the transfer source account.(S518).

[0154] Upon completion of the transfer, it returns to S504 and thesystem repeats the above processing until no deposit accounts existwhose balance exceeds its necessary balance.

[0155] As mentioned above, it might not happen to cause payment tostagnate according to the transfer processing based on a necessarybalance, since the system inquiring the balance at a prescribed date ofthe day before the payment day and any deficient money is supplied bytransferring from other deposit accounts.

[0156] However, there remains a possibility that all the transferprocessing cannot be completed, even though respective balances isinquired on the day before the payment day as is the case described theabove relating to the transfer processing based on the specifiedbalance, too. Then, the system may be set to make an inquirie onindividual balance at 15:00 of two previous days before the day ofpayment due as shown in FIG. 12 (S521, S502). In this case, it isdesirable to consider possible receipt and payment in these two days.For that purpose, after inquiring individual balance in respectiveaccount, the depositor shall input foreseeable receipt and paymentamounts (S222) so that the system for automatically adjusting depositbalance may add forecasted receipt amount to the existed balance and orsubtract the amount of the foreseeable payment amount from the presentbalance and, as a result it calculates the forecasted balance (S223).

[0157] 1.2.3. Automatic Update Processing of Necessary Balance (S6)

[0158] Now referring to FIG. 13, firstly the system for automaticallyadjusting deposit balance automatically sets a necessary balance for thechecking account to the same amount as the plus specified balance forthe checking account (S601). If the plus specified balance for thechecking account has changed, a necessary balance for the checkingaccount is automatically set to same amount as new plus specifiedbalance for the checking account.

[0159] In succession, the system for automatically adjusting depositbalance automatically sets a necessary balance for the ordinary depositaccount to the same amount as the plus specified balance for theordinary deposit account (S602). If the plus specified balance for theordinary deposit account has changed, a necessary balance for theordinary deposit account is automatically set to same amount as a newplus specified balance.

[0160] 2. Other Embodiment

[0161] 2.1. Setting and Automatic Updating of Necessary Balance

[0162] In the embodiment mentioned above, the necessary balance is setthe same amount as the plus specified balance. However the necessarybalance may be set to different amount from the plus specified balance.As shown in FIG. 14, in this case, step S411 and S412 is addedrespectively next to step S403 and S404 which are shown in FIG. 10.

[0163] For instance, assuming that the depositor inputs 4,000,000 yenwhich is lower than 5,000,000 yen of the plus specified balance as anecessary balance for the checking account (S403), the system forautomatically adjusting deposit balance subtracts the inputted 4,000,000yen of a necessary balance for the checking account from 5,000,000 yenof the plus specified balance for the checking account and calculatesthe difference amounts of 1,000,000 yen of the checking (S411).

[0164] When the depositor continuously inputs 2,000,000 yen as anecessary balance for the ordinary deposit account that is less than3,000,000 yen of the plus specified balance (S404), the system forautomatically adjusting deposit balance subtracts the inputted 2,000,000yen of the necessary balance for the ordinary deposit account from3,000,000 yen of the plus specified balance for the ordinary depositaccount and calculates the difference amounts of 1,000,000 yen of theordinary (S412).

[0165] In this case, a necessary balance is automatically updated asshown in FIG.15 after it transfers money based on the set necessarybalance.

[0166] For instance, when the plus specified balance for the checkingaccount increases by 500,000 yen and it becomes 5,500,000 yen in total,the system subtracts the difference amounts of 1,000,000 yen of thechecking that is calculated in step S411 as mentioned above from5,500,000 yen of the plus specified balance for the checking account andcalculates 4,500,000 yen which is new necessary balance for the checkingaccount (S421).

[0167] Moreover, when the plus specified balance for the ordinarydeposit account reduced by 500,000 yen and becomes 2,500,000 yen, thesystem subtracts the difference amounts of 1,000,000 yen of the ordinary[savings account] that is calculated in step S412 as mentioned abovefrom 2,500,000 yen of the plus specified balance for the ordinarydeposit account and calculates 1,500,000 yen which is new necessarybalance for the ordinary deposit account (S422).

[0168] 2.2. Specified Balance Setting by Linkage with Actual Results(No.1)

[0169] In the case shown in FIG. 4, the depositor inputs preferable plusspecified balance (S103), however it is not easy to decide the plusspecified balance based on the experience and intuition. Therefore, itmay be automatically set the plus specified balance based on actualreaults of past payment as described later. Hereafter, it explains as anexample of the case where the plus specified balance for the ordinarydeposit account among floating deposit accounts is automatically set.

[0170] Referring to FIGS. 16A and 16B, at first the depositor inputs athe bank name, the kind of the deposit account, the account number, thereferred period of actual results, display days, and the maximum andminimum limit amounts by operating keyboard 14. For example, thedepositor inputs “the headquarters of bank X” for the name of the bank,“savings account (ordinary deposit account)” for the kind of depositaccount, “1234567” as the account number, “from Apr. 1, 2000 to Mar. 31,2002” for the referred period of actual results, “5 days” for displaydays, “6,000,000 yen”as the maximum limit amount and “1,000,000 yen” asthe minimum limit amount (S111).

[0171] It is preferable to input the latest period even though thedepositor may input any preferable referred period of actual results.Moreover, when the first day of the inputted reference period of actualresults falls on holiday of the bank, the system for automaticallyadjusting deposit balance automatically changes the first day to theprevious business days. Similarly, when the inputted last day of thedisplay period of actual results falls on the bank's holiday, the systemfor automatically adjusting deposit balance automatically changes thelast day to the first day of next business days.

[0172] The system automatically adjusting deposit balance continuouslycalculates the amounts of daily total payment for each day during theinputted display period of actual results (S112).

[0173] In succession the system for automatically adjusting depositbalance displays the order of payment, the payment day, and the totalamounts of payment in order of the day which has higher calculated totalamounts of payment for the inputted period for display days as shown inFIG. 17 as an example (S113).

[0174] The depositor continuously clicks the key for displaying thecontent corresponding to the preferable payment (S114).

[0175] In response to the clicking, the system for automaticallyadjusting deposit balance displays the breakdown of the selected payment(S115). For instance, when the depositor selects the amount of totalpayments “6,586,992yen” in the first place, the system for automaticallyadjusting deposit balance displays the detail of payment as shown inFIG. 18.

[0176] Then the depositor selects the temporary expense which seems tobe unusual (S116) and the system displays the symbol implying that theexpense is temporary at its right column. The depositor executes similarprocessing about the total amounts of payment in the second place to thefifth place respectively. Continuously the system for automaticallyadjusting deposit balance calculates the total amount of daily paymentfor each day again excluding the selected temporary expense (S117).

[0177] In succession the system for automatically adjusting depositbalance displays the order, the payment day, and the total amounts ofpayment in order of day which has higher calculated total amounts ofpayment as shown in FIG. 19 as an example (S118). In this example, onlythe total amount of payment in the first place has been changed becausethere is no temporary payment in the second to the fifth place.

[0178] The depositor continuously selects the preferable payment amongfive displayed payments (S119). Here, it is assumed that the payment ofthe first place was selected.

[0179] The depositor then inputs the amount of forecasted receipt andpayment amounts in the selected payment (S120). For instance, “+100,000yen” is input when it is foreseeable that monthly charge for thewarehouse rent shall be increased by 100,000 yen by the end of July.

[0180] The system for automatically adjusting deposit balance adds theinputted increment amount to the selected total amount of payment and/orsubtracts the inputted reduction amount from the selected total amountof payment and as a result, calculates the foreseeable total amount ofpayment (S121). In the above mentioned example, it is calculated3,086,992 yen (=2,986,992 yen+100,000 yen) as a foreseeable total amountof payment.

[0181] Next, the system calculates the allowable plus specified balanceby applying the following expression (S122).

[0182] The allowable plus specified balance=the limit amount ofinsurance−(balance of time deposit account−balance of loan)

[0183] Here, the allowable plus specified balance is the total amountsof the plus specified balance which can be set to the checking accountand the ordinary deposit account. For example, assuming that the limitamount of insurance under deposit insurance system in Japan is10,000,000 yen, and in case that the balance of the time deposit accountis 8,000,000 yen and the balance of loan is 6,000,000 yen, the allowableplus specified balance becomes 8,000,000 yen.

[0184] When the plus specified balance for the time deposit is set tothe same amount as the balance of the time deposit account and the minusspecified balances for the loan is set to the same amount as the balanceof the loan, it may use the plus specified balance for the time depositas a balance of the time deposit account in the above expression and usethe minus specified balances for the loan as a balance of the loan.

[0185] The system for automatically adjusting deposit balancecontinuously comparing the foreseeable total amounts of payment with theallowable plus specified balance (S123), the system sets the foreseeabletotal amounts of payment for the plus specified balance in case that theforeseeable total amounts of payment is lesser (S124) and sets theallowable plus specified balance as the plus specified balance in casethe allowable plus specified balance is lesser (S125). In theabove-mentioned example, because the foreseeable total amounts ofpayment 3,086,992 yen is fewer than 8,000,000 yen of the allowable plusspecified balance, the plus specified balance is set to 3,086,992 yen.

[0186] The system [and method] for automatically adjusting depositbalance continuously processes the fraction of the set allowable plusspecified balance (S126). For instance, when less than 100,000 yen isrounded down, the allowable plus specified balance becomes 3,000,000 yenin the example mentioned above.

[0187] The allowable plus specified balance is a total sum of the plusspecified balances which can be set to the checking account and theordinary deposit account and therefore, when the allowable plusspecified balance is set to the plus specified balance for the ordinarydeposit account as it is, it becomes impossible to set the plusspecified balance for the checking account. Therefore, the maximum limitamount for the plus specified balance is inputted to the ordinarydeposit account in above-mentioned step S111. Moreover, if the totalamount of payment in actual results is abnormally few, it is foreseeablethat the plus specified balance for the ordinary deposit account shallbecome insufficient. Therefore, in the above-mentioned step S111,inputted is the minimum limit amount of the settable plus specifiedbalance of the ordinary deposit accounts. As is described later, thesystem for automatically adjusting deposit balance sets the plusspecified balance in between the maximum limit amount and the minimumlimit amount.

[0188] That is, the system for automatically adjusting deposit balancecompares the plus specified balance with inputted maximum limit amount(S127) and sets the maximum limit amount instead of the plus specifiedbalance again when the plus specified balance exceeds the maximum limitamount (S128), and uses the set plus specified balance as it is, when itdoes not exceed the maximum limit amount.

[0189] Next the system for automatically adjusting deposit balancecompares the plus specified balance with inputted minimum limit amount(S129), sets the minimum limit amount instead of the plus specifiedbalance when the plus specified balance is lower than the minimum limitamount (S130) and uses the set plus specified balance as it is, when itis not lower than the minimum limit amount.

[0190] 2.3. Specified Balance Setting by Linkage with Actual Results(No. 2)

[0191] Temporary expense is checked beforehand and may be deducted,although temporary expense is checked and deducted after calculating thetotal amount payment in the above embodiment.

[0192] In this case, as shown in FIG. 20, the depositor should checktemporary expenses at the time of expenditure (S131).

[0193] Continuously the depositor inputs bank name, the kind of thedeposit account, the account number, the referred period of actualresults, the day of the change in the plus specified balance and themaximum and minimum limit amounts (S132). Here in difference to theabove embodiment, it is assumed to input “Apr. 1, 2000 to the following6 months” as the referred period of actual results and to input “thenext day of each of 6 months expiration date” as the date for changingthe plus specified balance. Then the system for automatically adjustingdeposit balance calculates the total amount of payment in each day forthe inputted referred period of actual results excluding the pre-checkedtemporary expense (S133).

[0194] In succession, the system for automatically adjusting depositbalance displays the maximum total amount of payment among thecalculated total amount payment (S134). In the example the abovedisplayed is the maximum total amount of payment in the amount of3,086,992 yen that is the maximum amount in the period from Apr. 1, 2000to Sep. 30, 2000. Here, the system for automatically adjusting depositbalance sets the next referred period of actual results to “Six monthsfrom Oct. 1, 2000”.

[0195] The system for automatically adjusting deposit balance executesthe processing of step S122-S130 as shown in FIGS. 16A and 16B like asthe embodiment described above. But, here the total amount of payment isused as it is without calculating foreseeable total amount of payment.

[0196] 2.4. Others

[0197] In the embodiment of the above, the plus specified balance is setto the time deposit account and the minus specified balance is set tothe loan, but it is not necessary to set these specified balance eventhough there exists time deposit or loan. It is because of the reasonthat the plus specified balance is set the same amount as balance forthe time deposit and the minus specified balance is set as the sameamount as loan. When the plus specified balance is not set for the timedeposit account and the minus specified balance is not set for loan forthe same account, it is enough to set the plus specified balance for thechecking and savings (ordinary deposit) accounts so that the amountswhich are canceled out the amount of loan with the total amount ofbalance for the plus specified balance for the checking and savingaccounts and balance for time deposit, may become equal to the [maximum]insurance limit amount. Also, when the plus specified balance for thetime deposit is set, while the minus specified balance for the loan isnot set, it is enough to set the plus specified balance for the checkingand saving accounts so that the amounts which are canceled out theamount of loan with the total amount of the plus specified balance forthe checking and saving accounts and the plus specified balance for thetime deposit, may become equal to the limit amount covered by theinsurance.

[0198] Moreover, when the plus specified balance for the time deposit isnot set, while the minus specified balance for the loan is set, it isenough to set the plus specified balance for the checking and savingaccount so that the amounts which are canceled out the minus specifiedbalance for the loan with the total amount of the plus specified balancefor checking and saving accounts and the balance for the time depositaccount, may be equal to the limit amount covered by the insurance.

[0199] And the specified balance transfer processing and necessarybalance transfer processing can be executed independently, although bothprocessing are executed in combination in the above embodiment.Moreover, the present invention are applicable for three accounts ormore, although two accounts, checking account and the savings accountare used as a floating deposit accounts in the above embodiment.Moreover, the balance need not be exactly the same number to the maximuminsurance limit amount, even though in the above-mentioned embodimentthe specified balance is set so that the balance shall not exceed theinsurance limit amount 10,000,000 yen under the deposit insurancesystem.

[0200] That is, it may be set in the amount of 12,000,000 yen or8,000,000 yen which differs from preferred amount from the insurancelimit amount. Moreover, it may be rounded off the fraction of calculatedtransfer amount in tead of rounding up or down fraction as in theembodiment of the above. In short, it is enough to round the fraction ofthe calculated amount of money.

[0201] Moreover, although the program for automatically adjustingdeposit balance is installed in depositor's PC in above mentionedembodiment, it may be installed in the server of the bank. Therefore, itis also possible that the single bank alone can execute this invention.Moreover, the program for automatically adjusting deposit balance may beinstalled and distributed in two or more computers. Moreover, theinterrelated computers may be connected through any kind oftelecommunication line, though the computers are connected mutuallythrough the internet in the embodiment described the above. Moreover,two banks are illustrated in the above embodiment, this invention can beapplied also among three banks or more.

[0202] Explained the above are embodiments of the present invention andthose embodiments are merely examples for embodying the presentinvention. Hence the present invention shall not be restricted to thoseembodiments and is applicable to another embodiment with propermodifications without diverting its inventive concept.

1. (Cancelled)
 2. (Cancelled)
 3. A system for automatically adjustingdeposit balance which automatically transfers money between a pluralityof floating deposit accounts established in one two or more financialinstitutions respectively for a depositor, the system for automaticallyadjusting deposit balance is characterized in providing; specifiedbalance setting means for setting plus specified balance for saidfloating deposit accounts, means for calculating the excess amount bysubtracting the plus specified balance for one floating deposit accountfrom the balance of the one floating deposit account, means forcalculating the allowable amount by subtracting the balance of the otherfloating deposit account from the plus specified balance for the otherfloating deposit account, means for comparing said excess amount withsaid allowable amount, transfer means for transferring one lesser amountof said excess and allowable amounts from the one floating depositaccount to the other floating deposit account, and automatic specifiedbalance updating means for increasing or decreasing said plus specifiedbalance in response to fluctuation of the balance of the non-floatingdeposit account established for said depositor and/or fluctuation of thebalance of debt which can be offset with the amount of insurance depositthat is the subject of the deposit insurance system.
 4. (Cancelled) 5.(Cancelled)
 6. (Cancelled)
 7. The system for automatically adjustingdeposit balance as described in claim 3, characterized in that thesystem for automatically adjusting deposit balance further providing;balance inquiring means for inquiring the balance of said floatingdeposit account at prescribed time and date.
 8. The system forautomatically adjusting deposit balance as described in claim 7,characterized in that the system for automatically adjusting depositbalance further providing; means for setting foreseeable receipt amountor foreseeable payment amount, and means for adding said set foreseeablereceipt amount to the balance for said inquired floating deposit accountor for subtracting said set foreseeable payment amount from the balancefor said inquired floating deposit account.
 9. (Cancelled)
 10. Thesystem for automatically adjusting deposit balance as described in claim3, the system for automatically adjusting deposit balance ischaracterized in that said floating deposit accounts have the first andsecond deposits and said specified balance setting means set the firstplus specified balance to the first floating deposit account and set thesecond plus specified balance to the second floating deposit account.11. The system for automatically adjusting deposit balance as describedin claim 10, the system for automatically adjusting deposit balance ischaracterized in that said specified balance setting means sets saidfirst and second plus specified balance according to the amount of theinsurance limit in the deposit insurance system.
 12. The system forautomatically adjusting deposit balance as described in claim 11, thesystem for automatically adjusting deposit balance is characterized inthat said specified balance setting means include; means for settingsaid first plus specified balance, and means for setting said secondplus specified balance by subtracting from the insurance limit amountunder the deposit insurance system or the amount with predetermineddifference from the insurance limit amount, the total sum of said setfirst plus specified balance and the balance of insurance deposit thatis the subject of insurance under the deposit insurance system excludingdeposit amounts in the first and second floating deposit accounts. 13.The system for automatically adjusting deposit balance as described inclaim 11, the system for automatically adjusting deposit balance ischaracterized in that said specified balance setting means include;means for setting said first plus specified balance, and means forsetting said second plus specified balance by subtracting from the totalsum of insurance limit amount under the deposit insurance system and thebalance of debt which can be offset with the insurance deposit that isthe subject of insurance under the deposit insurance system or theamount with predetermined difference from the total sum, the total sumof said inputted first plus specified balance and the balance ofinsurance deposit excluding deposit amounts in said first and secondfloating deposit account.
 14. The system for automatically adjustingdeposit balance as described in claim 10, the system for automaticallyadjusting deposit balance is characterized in that further anon-floating deposit account is established in said financialinstitution for the depositor, and said specified balance setting meansset the third plus specified balance for the non-floating depositaccount.
 15. The system for automatically adjusting deposit balance asdescribed in claim 14, the system for automatically adjusting depositbalance is characterized in that said specified balance setting meanssets the third plus specified balance as the same amount of the balancefor the non-floating deposit account.
 16. The system for automaticallyadjusting deposit balance as described in claim 15, the system forautomatically adjusting deposit balance is characterized in that saidspecified balance setting means include; means for setting said firstplus specified balance, and means for setting said second plus specifiedbalance by subtracting from the insurance limit amount under the depositinsurance system or the amount with predetermined difference from theinsurance limit amount, the total sum of said set first plus specifiedbalance and the third plus specified balance.
 17. The system forautomatically adjusting deposit balance as described in claim 14, thesystem for automatically adjusting deposit balance is characterized inthat said specified balance setting means sets the minus specifiedbalance to the debt which can be offset with the insurance deposit thatis the subject of the deposit insurance system.
 18. The system forautomatically adjusting deposit balance as described in claim 17, thesystem for automatically adjusting deposit balance is characterized inthat said specified balance setting means sets the minus specifiedbalance to the same amount of said debt.
 19. the system forautomatically adjusting deposit balance as described in claim 18, thesystem for automatically adjusting deposit balance is characterized inproviding; means for setting said first plus specified balance, andmeans for setting said second plus specified balance by subtracting fromthe total sum of insurance limit amount under the deposit insurancesystem and said minus specified balance, or the amount withpredetermined difference from that total sum amount, the total sum ofsaid set first plus specified balance and said set third plus specifiedbalance.
 20. The system for automatically adjusting deposit balance asdescribed in claim 3, the system for automatically adjusting depositbalance is characterized in that said specified balance setting meanssets said plus specification balance based on past payment results insaid floating deposit account.
 21. The system for automaticallyadjusting deposit balance as described in claim 20, the system forautomatically adjusting deposit balance is characterized in that saidspecified balance setting means include; summing means for calculatingdaily total amounts of payment based on said payment result, and meansfor setting said plus specified balance based on the maximum or the nextfollowing total sum of payment amounts among said calculated paymentamount.
 22. The system for automatically adjusting deposit balance asdescribed in claim 21, in which the system for automatically adjustingdeposit balance is characterized in that said specified balance settingmeans further includes means for excluding temporary expenses out ofsaid payment result, and that said summing means calculates said totalpayment amounts based on the payment result to be excluded saidtemporary expense.
 23. The system for automatically adjusting depositbalance as described in claim 10, the system for automatically adjustingdeposit balance is characterized in that said automatic specific balanceupdating means include; a table in which said first and second floatingdeposit account is respectively provided with priority level, themaximum limit amount and the minimum limit amount, means for selectingsaid first or second floating deposit account according to the prioritylevel in the table, means for comparing said first or second plusspecified balance for said selected floating deposit account with saidmaximum limit amount provided for said selected floating depositaccount, means for increasing said first or second plus specifiedbalance for said selected floating deposit account, when said first orsecond plus specified balance for said selected floating deposit accountis less than the maximum limit amount provided for said selectedfloating deposit account, means for comparing the first or second plusspecified balance for said selected floating deposit account with theminimum limit amount provided for said selected floating depositaccount, and means for decreasing the first or second plus specifiedbalance for said selected floating deposit account when said first orsecond plus specified balance for said selected floating deposit accountis more than the minimum limit amount provided for said selectedfloating deposit account.
 24. The system for automatically adjustingdeposit balance as described in claim 23, the system for automaticallyadjusting deposit balance is characterized in that, in said table, thefirst and second floating deposit account is respectively and repeatedlyprovided with priority level, the maximum limit amount and the minimumlimit amount.
 25. (Cancelled)
 26. (Cancelled)
 27. The system forautomatically adjusting deposit balance as described in claim 3, thesystem for automatically adjusting deposit balance is characterized infurther providing; necessary balance setting means for setting necessarybalance for said floating deposit accounts, means for comparing thebalance of the one floating deposit account with the necessary balancefor the one floating deposit account, retransfer means for transferringmoney back to the one floating deposit account from the other floatingdeposit account when the balance of the one floating deposit account isless than the necessary balance for the one floating deposit account,means for calculating a deficit amount by subtracting the necessarybalance for the one floating deposit account from the balance of the onefloating deposit account, means for calculating a surplus amount bysubtracting the necessary balance for the other floating deposit accountfrom the balance of the other floating deposit account, means forcomparing said deficit amount with said surplus amount, and means forsetting the amount that is lesser of said deficit and surplus amountsfor the transfer amount to be transferred by said retransfer means. 28.(Cancelled)
 29. (Cancelled)
 30. The system for automatically adjustingdeposit balance as described in claim 27, the system for automaticallyadjusting deposit balance is characterized in that said necessarybalance setting means sets the necessary balance to the same amount assaid plus specified balance.
 31. (Cancelled)
 32. (Cancelled) 33.(Cancelled)
 34. (Cancelled)
 35. (Cancelled)
 36. (Cancelled) 37.(Cancelled)
 38. (Cancelled)
 39. (Cancelled)
 40. (Cancelled) 41.(Cancelled)
 42. (Cancelled)
 43. (Cancelled)
 44. (Cancelled) 45.(Cancelled)
 46. A method of automatically adjusting deposit balancewhich automatically transfers money between a plurality of floatingdeposit accounts established in two one or more financial institutionsfor a depositor, the method of automatically adjusting deposit balanceis characterized in providing; specified balance setting step of settingplus specified balance for said floating deposit accounts, step ofcalculating the excess amount by subtracting the plus specified balancefor one floating deposit account from the balance of the one floatingdeposit account, step of calculating the allowable amount by subtractingthe balance of the other floating deposit account from the plusspecified balance for the other floating deposit account, step ofcomparing said excess amount with said allowable amount, transfer stepof transferring one of lesser amount of said excess and allowableamounts from the floating deposit account in said financial institutionto the floating deposit account established in other financialinstitution, and automatic specified balance updating step of increasingor decreasing said plus specified balance in response to fluctuation ofthe balance of the non-floating deposit account established and/orfluctuation of the balance of debt which can be offset with the amountof insurance deposit that is the subject of the insurance depositsystem.
 47. (Cancelled)
 48. (Cancelled)
 49. (Cancelled)
 50. The methodof automatically adjusting deposit balance as described in claimed 46,in which the method of automatically adjusting deposit balance ischaracterized in further providing balance inquiring step of inquiringthe balance for said floating deposit account at predetermined time anddate.
 51. The method of automatically adjusting deposit balance asdescribed in claim 50, the method of automatically adjusting depositbalance is characterized in further providing; step of settingforeseeable receipt amount or foreseeable payment amount, and step ofadding said set foreseeable receipt amount to the balance of saidinquired floating deposit account or for subtracting said setforeseeable payment amount from the balance of said inquired floatingdeposit account.
 52. (Cancelled)
 53. The method of automaticallyadjusting deposit balance as described in claim 46, the method ofautomatically adjusting deposit balance is characterized in that saidfloating deposit accounts include the first and second floating depositaccount and that the specified balance setting step sets the first plusspecified balance for the first floating deposit account and the secondplus specified balance for the second floating deposit account.
 54. Themethod of automatically adjusting deposit balance as described in claim53, the method of automatically adjusting deposit balance ischaracterized in that said specified balance setting step sets saidfirst and second plus specified balance according to the amount of theinsurance limit amount under the deposit insurance system.
 55. Themethod of automatically adjusting deposit balance as described in claim54, the method of automatically adjusting deposit balance ischaracterized in that said specified balance setting step includes; stepof setting said first plus specified balance, and step of setting saidsecond plus specified balance by subtracting from the insurance limitamount under the deposit insurance system or the amount withpredetermined difference from the insurance limit, the total sum of saidset first plus specified balance and the balance of insurance depositthat is the subject of insurance under the deposit insurance systemexcluding deposit amounts in the first and second floating depositaccounts.
 56. The method of automatically adjusting deposit balance asdescribed in claim 54, the method of automatically adjusting depositbalance is characterized in that said specified balance setting stepincludes; step of setting said first plus specified balance, and step ofsetting said second plus specified balance by subtracting from the totalsum of insurance limit amount under the deposit insurance system and thebalance of debt which can be offset with the insurance deposit that isthe subject of insurance under the deposit insurance system or theamount with predetermined difference from the total sum, the total sumof said inputted first plus specified balance and the balance ofinsurance deposit excluding deposit amounts in said first and secondfloating deposit account.
 57. The method of automatically adjustingdeposit balance as described in claim 53, the method of automaticallyadjusting deposit balance is characterized in that further anon-floating deposit account is established in said financialinstitution for said depositor, and said specified balance setting stepsets the third plus specified balance for said non-floating depositaccount.
 58. The method of automatically adjusting deposit balance asdescribed in claim 57, the method of automatically adjusting depositbalance is characterized in that said specified balance setting stepsets the third plus specified balance as the same amount of the balancefor the non floating deposit account.
 59. The method of automaticallyadjusting deposit balance as described in claim 58, the method ofautomatically adjusting deposit balance is characterized in that saidspecified balance setting step includes; step of setting said first plusspecified balance, and step of setting said second plus specifiedbalance by subtracting from the insurance limit amount under the depositinsurance system or the amount with predetermined difference frominsurance limit amount, the total sum of said set first plus specifiedbalance and the third plus specified balance.
 60. The method ofautomatically adjusting deposit balance as described in claim 57, themethod of automatically adjusting deposit balance is characterized inthat said specified balance setting step sets the minus specifiedbalance to the debt which can be offset with the insurance deposit thatis the subject of the deposit insurance system.
 61. The method ofautomatically adjusting deposit balance as described in claim 60, themethod of automatically adjusting deposit balance is characterized inthat said specified balance setting step sets the minus specifiedbalance to the same amount of said debt.
 62. The method of automaticallyadjusting deposit balance as described in claim 61, the method ofautomatically adjusting deposit balance is characterized in providing;step of setting said first plus specified balance, and step of settingsaid second plus specified balance by subtracting from the total sum ofinsurance limit amount under the deposit insurance system and said minusspecified balance, or the amount with predetermined difference from thattotal sum amount, the total sum of said set first plus specified balanceand the third plus specified balance.
 63. The method of automaticallyadjusting deposit balance as described in claim 46, the method ofautomatically adjusting deposit balance is characterized in that saidspecified balance setting step sets said plus specified balance based onpast payment results in said floating deposit account.
 64. The method ofautomatically adjusting deposit balance as described in claim 63, themethod of automatically adjusting deposit balance is characterized inthat said specified balance setting step includes; summing step ofcalculating daily total amounts of payment based on said payment result,and step of setting said plus specified balance based on the maximum orthe next following total sum of payment amounts among said calculatedpayment amount.
 65. The method of automatically adjusting depositbalance as described in claim 64, the method of automatically adjustingdeposit balance is characterized in that said specified balance settingstep further includes step of excluding temporary expenses out of saidpayment result, and that said summing step calculates said total paymentamount based on the payment result to be excluded said temporaryexpense.
 66. The method of automatically adjusting deposit balance asdescribed in claim 53, the method of automatically adjusting depositbalance is characterized in that said specified balance updating stepincludes; step of selecting said first or second plus specified balanceaccording to the priority level in the table in which said first andsecond floating deposit account is respectively provided with prioritylevel, the maximum limit amount and the minimum limit amount, step ofcomparing said first or second plus specified balance for floatingdeposit account with said maximum limit amount provided for saidselected floating deposit account, step of increasing said first orsecond plus specified balance for said selected floating depositaccount, when said first or second plus specified balance for saidselected floating deposit account is less than the maximum limit amountprovided for said selected floating deposit, step of comparing the firstor second plus specified balance for said selected floating depositaccount with the minimum limit amount provided for said selectedfloating deposit account, and step of decreasing the first or secondplus specified balance for said selected floating deposit account whensaid first or second plus specified balance for said selected floatingdeposit account is more than the minimum limit amount provided for saidselected floating deposit account.
 67. The method of automaticallyadjusting deposit balance as described in claim 66, the method ofautomatically adjusting deposit balance is characterized in that in saidtable the first and second floating deposit account is respectively andrepeatedly provided with priority level, the maximum limit amount andthe minimum limit amount.
 68. (Cancelled)
 69. (Cancelled)
 70. The methodof automatically adjusting deposit balance as described in claim 46, themethod of automatically adjusting deposit balance is characterized infurther providing; necessary balance setting step of setting necessarybalance for said floating deposit accounts, step of comparing thebalance of the one floating deposit account with the necessary balancefor the one floating deposit account, retransfer step of transferringmoney back to the one floating deposit account from the other floatingdeposit account when the balance of the one floating deposit account isless than the necessary balance for the one floating deposit account,step of calculating a deficit amount by subtracting the necessarybalance for the one floating deposit account from the balance of the onefloating deposit account, step of calculating a surplus amount bysubtracting the necessary balance for the other floating deposit accountfrom the balance of the other floating deposit account, step ofcomparing said deficit amount with said surplus amount, and step ofsetting the amount that is lesser of said deficit and surplus amountsfor the transfer amount to be transferred by said retransfer step. 71.(Cancelled)
 72. (Cancelled)
 73. The method of automatically adjustingdeposit balance as described in claim 70, the method of automaticallyadjusting deposit balance is characterized in that said necessarybalance setting step sets said necessary balance to the same amount assaid plus specified balance.
 74. (Cancelled)
 75. (Cancelled) 76.(Cancelled)
 77. (Cancelled)
 78. (Cancelled)
 79. (Cancelled) 80.(Cancelled)
 81. (Cancelled)
 82. (Cancelled)
 83. (Cancelled) 84.(Cancelled)
 85. (Cancelled)
 86. (Cancelled)
 87. (Cancelled) 88.(Cancelled)
 89. A program product for automatically adjusting depositbalance which automatically transfers money between floating depositaccounts established in one or more financial institutions for adepositor, the program product for automatically adjusting depositbalance is characterized in providing; specified balance setting step ofsetting plus specified balance for said floating deposit accounts, stepof calculating the excess amount by subtracting the plus specifiedbalance for one floating deposit account from the balance of the otherfloating deposit account, step of calculating the allowable amount bysubtracting the balance of the other floating deposit account from theplus specified balance for the other floating deposit account, step ofcomparing said excess amount with said allowable amount, transfer stepof transferring one of the lesser amount of said excess and allowableamounts from the one floating deposit account to the other floatingdeposit account, and automatic specified balance updating step ofincreasing or decreasing said plus specified balance in response tofluctuation of the balance of the non-floating deposit accountestablished and/or fluctuation of the balance of debt which can beoffset with the amount of insurance deposit that is the subject of theinsurance deposit system.
 90. (Cancelled)
 91. (Cancelled) 92.(Cancelled)
 93. The program product for automatically adjusting depositbalance as described in claim 89, in which the program product forautomatically adjusting deposit balance is characterized in furtherproviding balance inquiring step of inquiring the balance for saidfloating deposit account at predetermined time and date.
 94. The programproduct for automatically adjusting deposit balance as described inclaim 93, the system for automatically adjusting deposit balance ischaracterized in further providing; step of setting foreseeable receiptamount or foreseeable payment amount, and step of adding said setforeseeable receipt amount to the balance of said inquired floatingdeposit account or of subtracting said set foreseeable payment amountfrom the balance of said inquired floating deposit account. 95.(Cancelled)
 96. The program product for automatically adjusting depositbalance as described in claim 89, the program product for automaticallyadjusting deposit balance is characterized in that said floating depositaccounts include the first and second floating deposit account and thatthe specified balance setting step sets the first plus specified balancefor the first floating deposit account and the second plus specifiedbalance for the second floating deposit account.
 97. The program productfor automatically adjusting deposit balance as described in claim 96,the program product for automatically adjusting deposit balance ischaracterized in that said specified balance setting step sets saidfirst and second plus specified balance accordance with the amount ofthe insurance limit under the deposit insurance system.
 98. The programproduct for automatically adjusting deposit balance as described inclaim 97, the program product for automatically adjusting depositbalance is characterized in that said specified balance setting stepincludes; step of setting said first plus specified balance, and step ofsetting said second plus specified balance by subtracting from theinsurance limit amount under the deposit insurance system or the amountwith predetermined difference from the insurance limit amount, the totalsum of said set first plus specified balance and the balance ofinsurance deposit that is the subject of insurance under the depositinsurance system excluding deposit amounts in the first and secondfloating deposit accounts.
 99. The program product for automaticallyadjusting deposit balance as described in claim 97, the program productfor automatically adjusting deposit balance is characterized in thatsaid specified balance setting step includes; step of setting said firstplus specified balance, and step of setting said second plus specifiedbalance by subtracting from the total sum of insurance limit amount inthe deposit insurance system and the balance of debt which can be offsetwith the insurance deposit that is the subject of insurance under thedeposit insurance system or the amount with predetermined differencefrom the total sum, the total sum of said inputted first plus specifiedamount and the balance of insurance deposit excluding deposit amounts insaid first and second floating deposit account.
 100. The program productfor automatically adjusting deposit balance as described in claim 96,the program product for automatically adjusting deposit balance ischaracterized in that further a non-floating deposit account isestablished in the financial institution for said depositor and that thespecified balance setting step sets the third plus specified balance forsaid non floating deposit account.
 101. The program product forautomatically adjusting deposit balance as described in claim 100, theprogram product for automatically adjusting deposit balance ischaracterized in that said specified balance setting step sets the thirdplus specified balance as the same amount of the balance for the nonfloating deposit account.
 102. The program product for automaticallyadjusting deposit balance as described in claim 101, the program productfor automatically adjusting deposit balance is characterized in thatsaid specified balance setting step includes; step of setting said firstplus specified balance, and step of setting said second plus specifiedbalance by subtracting from the insurance limit amount under the depositinsurance system or the amount with predetermined difference frominsurance limit amount, the total sum of said set first plus specifiedbalance and the third plus specified balance.
 103. The program productfor automatically adjusting deposit balance as described in claim 100,the program product for automatically adjusting deposit balance ischaracterized in that said specified balance setting step sets the minusspecified balance to the debt which can be offset with the insurancedeposit that is the subject of the deposit insurance system.
 104. Theprogram product for automatically adjusting deposit balance as describedin claim 103, the program product for automatically adjusting depositbalance is characterized in that said specified balance setting stepsets the minus specified balance to the same amount of said debt. 105.The program product for automatically adjusting deposit balance asdescribed in claim 104, the program product for automatically adjustingdeposit balance is characterized in providing; step of setting saidfirst plus specified balance, and step of setting said second plusspecified balance by subtracting from the total sum of insurance limitamount under the deposit insurance system and said minus specifiedbalance, or the amount with predetermined difference from that total sumamount, the total sum of said set first plus specified balance and thethird plus specified balance.
 106. The program product for automaticallyadjusting deposit balance as described in claim 89, the program productfor automatically adjusting deposit balance is characterized in thatsaid specified balance setting step sets said plus specified balancebased on past payment results in said floating deposit account.
 107. Theprogram product for automatically adjusting deposit balance as describedin claim 106, the program product for automatically adjusting depositbalance is characterized in that said specified balance setting stepincludes; summing step of calculating daily total amounts of paymentbased on said payment result, and step of setting said plus specifiedbalance based on the maximum or the next following total sum of paymentamounts among said calculated payment amount.
 108. The program productfor automatically adjusting deposit balance as described in claim 107the program product for automatically adjusting deposit balance ischaracterized in that said specified balance setting step furtherincludes; step of excluding temporary expenses out of said paymentresult, and that said summing step calculates said total payment amountbased on the payment result to be excluded said temporary expense. 109.The program product for automatically adjusting deposit balance asdescribed in claim 96, the program product for automatically adjustingdeposit balance is characterized in that said specified balanceautomatically updating step includes; step of selecting said first orsecond plus specified balance according to the priority level in thetable in which said first and second floating deposit account isrespectively provided with priority level, the maximum limit amount andthe minimum limit amount, step of comparing said first or second plusspecified balance for floating deposit account with said maximum limitamount provided for said selected floating deposit account, step ofincreasing said first or second plus specified balance for said selectedfloating deposit account, when said first or second plus specifiedbalance for said selected floating deposit account is less than themaximum limit amount provided for said selected floating deposit, stepof comparing the first or second plus specified balance for saidselected floating deposit account with the minimum limit amount providedfor said selected floating deposit account, and step of decreasing thefirst or second plus specified balance for said selected floatingdeposit account when said first or second plus specified balance forsaid selected floating deposit account is more than the minimum limitamount provided for said selected floating deposit account.
 110. Theprogram product for automatically adjusting deposit balance as describedin claim 109, the program product for automatically adjusting depositbalance is characterized in that said the first and second floatingdeposit account is respectively repeatedly provided with said prioritylevel, the maximum limit amount and the minimum limit amount in saidtable.
 111. (Cancelled)
 112. (Cancelled)
 113. The program product forautomatically adjusting deposit balance as described in claim 89, theprogram product for automatically adjusting deposit balance ischaracterized in further providing; necessary balance setting step ofsetting necessary balance for said floating deposit accounts, step ofcomparing the balance of the one floating deposit account with thenecessary balance for the one floating deposit account, retransfer stepof transferring money back to the one floating deposit account from theother floating deposit account when the balance of the one floatingdeposit account is less than the necessary balance for the one floatingdeposit account, step of calculating a deficit amount by subtracting thenecessary balance for the one floating deposit account from the balanceof the one floating deposit account,, step of calculating a surplusamount by subtracting the necessary balance for the other floatingdeposit balance from the balance of the other floating deposit account,,step of comparing said deficit amount with said surplus amount, and stepof setting the amount that is lesser of said deficit and surplus amountsfor the transfer amount to be transferred by said retransfer step. 114.(Cancelled)
 115. (Cancelled)
 116. The program product for automaticallyadjusting deposit balance as described in claim 113, the program productfor automatically adjusting deposit balance is characterized in thatsaid necessary balance setting step sets said necessary balance as thesame amount as said plus specified balance.
 117. (Cancelled) 118.(Cancelled)
 119. (Cancelled)
 120. (Cancelled)
 121. (Cancelled) 122.(Cancelled)
 123. (Cancelled)
 124. (Cancelled)
 125. (Cancelled) 126.(Cancelled)
 127. (Cancelled)
 128. (Cancelled)
 129. (Cancelled)